Dawn Lancaster
Aubrey
Summary
Accomplished in streamlining loan processing at Bay Equity Home Loans, enhancing productivity by implementing efficient strategies. Expert in underwriting guidelines and renowned for exceptional attention to detail. Proven track record in improving data analysis accuracy, significantly contributing to team targets and fostering an inclusive work environment.
Overview
13
13
years of professional experience
Work History
Mortgage Underwriter
Fairway Independent Mortgage
12.2024 - Current
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Assistant Underwriter
Fairway Independent Mortgage
08.2015 - 12.2024
- Provided high-level assistance with the evaluation of loan applications and related documents such as income, assets, and collateral.
- Provided excellent support to branch personnel by promptly addressing their questions and concerns via telephone and email.
- Verified and ensured data integrity and accuracy.
- Conducted thorough evaluation of candidate's credit history, work experience, and financial records
- Evaluated insurance, sales contracts, and appraisals to determine property value
Senior Mortgage Loan Processor
Bay Equity Home Loans
11.2014 - 08.2015
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
Assistant Underwriter
Prime Lending Group
05.2012 - 11.2014
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Verified data integrity and accuracy.
- Answer questions from lenders and brokers, and communicate the reasons for loan approval or rejection
Education
High School Diploma -
Jefferson High School
Shenandoah Junction, WV05.1995
Skills
- Underwriting guidelines
- Attention to detail
- Strong data analysis skills
- The ability to multitask and manage multiple projects
- Knowledge of lending and insuring regulations
- High level of Encompass usage
Timeline
Mortgage Underwriter
Fairway Independent Mortgage
12.2024 - Current
Assistant Underwriter
Fairway Independent Mortgage
08.2015 - 12.2024
Senior Mortgage Loan Processor
Bay Equity Home Loans
11.2014 - 08.2015
Assistant Underwriter
Prime Lending Group
05.2012 - 11.2014
High School Diploma -
Jefferson High School
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